Total monthly cost of ownership
Cost to Own a Home in Winnie, Texas
A $173,000 home here costs
$1,554per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $889. The real number is $665 higher every month — 75% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Winnie against Chambers County and Texas
| Measure | Winnie | Chambers County |
|---|---|---|
| Median home value | $173,300 | $289,900 |
| Median property tax | $2,289 | $3,290 |
| Effective tax rate | 1.321% | 1.135% |
| Median gross rent | $1,449 | $1,548 |
| Population | 2,787 | 49,178 |
The weather behind that power bill
Winnie sits in Chambers County, which averages a high of 91.5°F in its hottest month and a low of 43.2°F in its coldest, with 59.72" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 2,771 cooling and 1,394 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Chambers County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Chambers County
Common questions
How much does it cost to own a home in Winnie?
A $173,000 home in Winnie, Texas costs approximately $1,554 per month with 20% down at 6.66%. That is $889 principal and interest, $190 property tax, $114 homeowners insurance, $216 utilities and $144 set aside for maintenance.
What is the property tax rate in Winnie?
Winnie has an effective property tax rate of 1.321%, based on a median home value of $173,300 and median real estate taxes of $2,289. That is higher than the Chambers County average of 1.135%.
What is the average home price in Winnie?
The median owner-occupied home value in Winnie, Texas is $173,300, against $289,900 across Chambers County.
Is it cheaper to rent or buy in Winnie?
Median gross rent in Winnie is $1,449 a month, against $1,554 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Winnie — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Texas.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.